CompanyCare Brochure LAYA-CC-BRO-011-0215-v5.indd 1 12/03/2015 13:47
Welcome to Laya Healthcare This short booklet contains detailed information about our CompanyCare schemes and the great benefits and special offers you will be entitled to as a laya healthcare member. Please feel free to record your membership number and renewal date in the box below as these will come in handy when you contact us. Membership number: Renewal date: Below is a list of some important contact details which you may need as a member of Laya Healthcare: Laya Healthcare Customer Care: 1890 700 890 or 021 202 2000 Email: info@layahealthcare.ie Website: www.layahealthcare.ie - frequently asked questions section available online Nurseline: 1850 923 500 Consultant Connections: 1890 700 890 24hr overseas assistance: +353 21 422 2204 Your GP contact details: Local hospital contact details: Other useful contacts:
Laya Healthcare Why we are the right choice for you the best value health insurance in the market outstanding benefits on all schemes excellent customer service immediate cover for an accident or injury and for out-patient costs incurred after joining people on the same policy can have different levels of cover allowing flexibility in the level of cover you choose fantastic member offers and discounts For information on Lifetime Community Rating see page 11 or visit www.lcr.ie What are the benefits of private health insurance? access to a wider choice of hospitals and doctors prompt care and attention access to the comfort and security of private medical facilities more control over where and when you receive treatment allows you to focus on getting better knowing that the financial burden of staying in hospital and getting treatment is being taken care of peace of mind Our CompanyCare schemes Our CompanyCare schemes are designed to meet the needs of company employees, as individuals or members of a family. Depending on the scheme you have chosen you will get: 50% - 75% back on everyday medical expenses public, private and Hi-tech hospital cover cover for certain essential heart surgeries in three Hi-tech hospitals access to a 24 hour GPline (CompanyCare Choice, CompanyCare and CompanyCare Plus) Employee Assistance Programme Medical Tourism...and much more CompanyCare Schemes offer 50%-75% back on out-patient expenses 1
Hospital Cover Going into hospital Scheme Public hospitals Private hospitals CompanyCare Starter Private room Semi-private room in select private hospitals Day-case and Outpatient surgical in Blackrock clinic, Mater private hospital and Beacon hospital No cover CompanyCare Choice Private room Semi-private room Full cover CompanyCare Private room Semi-private room Full cover CompanyCare Plus Private room Semi-private room Full cover CompanyCare Premium Private room Private room Full cover CompanyCare Gold Private room Private room Full cover *If you are treated in a private hospital, you will have an excess of 50, 125 or 200 (Hi-Tech), depending on what private hospital you choose. This excess does not apply in public hospitals. Please see our hospital list for details, you can get this list from our website www.layahealthcare.ie or by calling us on 1890 700 890 CompanyCare Starter members are covered for day-case and out-patient surgical procedures in the Mater Private Cork. For in-patient treatment in semi-private or private rooms a 260 shortfall will apply per night. Hi-tech hospitals include - the Mater Private hospital, the Beacon hospital and the Blackrock Clinic. Cover detailed in the table applies to laya healthcare participating hospitals and Consultants. To check that your hospital or Consultant is covered by us, just call us on 1890 700 890 or visit our website www.layahealthcare.ie (Please note: 99% of Consultants are covered). Care Manager Programme Our Care Manager Programme on CompanyCare Gold is here to help you if you need to go to hospital. Our dedicated Care Manager can advise on your hospital stay, what to expect and the aftercare you ll need. We can answer questions regarding your treatment so that you know as much as possible before your hospital stay. 2
Certain heart surgeries in Hi-tech hospitals Full cover Consultant costs in hospital Convalescence for up to 14 days 50 a day In-patient psychiatric cover Hospital Cover Full cover 60 a day Full cover Full cover Full cover 60 a day 60 a day Maximum 100 days per calendar year (subject to certain criteria) Full cover 70 a day Full cover 120 a day 3
Maternity Cover When you are having a baby Only the best for your bundle of joy When your baby is born be sure to add them to your policy within 13 weeks of their birth and we will be delighted to include your baby on your scheme free of charge from their date of birth until your next renewal date with us. Your maternity benefits We will pay towards the following: Up to three nights hospital accommodation* or a homebirth** to a maximum of: We will pay laya healthcare participating Consultant fees up to (including an epidural): You can claim for your out-patient consultation visits, for each pregnancy up to: CompanyCare Starter 3,200 250 CompanyCare Choice CompanyCare CompanyCare Plus 3,500 804 400 CompanyCare Premium 500 CompanyCare Gold 3,750 650 * for laya healthcare participating hospital charges ** with your GP or Consultant approval (on receipt of invoices and a signed claim form from a midwife registered with An Bord Altranais/GP) Child Home Nursing We will pay towards the cost of child home nursing care, following 5 consecutive days of in-patient treatment, up to a maximum of 2,800 per year. Subject to Consultant referral. 4
Benefits for you and your baby We will pay towards laya healthcare approved pre and post natal treatments (incurred 2 months before and 3 months after the birth of your child) up to: Members can claim payment towards a mix of hospital accommodation (benefit as per above) plus home nursing after the birth - for 1 night in hospital, plus home nursing up to: Or the cost of 2 nights in hospital plus home nursing up to: Maximum benefit of hospital, accommodation and home nursing combined: 250 900 450 3,200 275 1,200 600 3,500 385 1,300 650 600 1,450 1,450 3,750 Travel and accommodation benefit This is available for a parent accompanying a child after 3 nights of an in-patient stay up to 105 per night to a maximum of 14 nights. This benefit is not available on CompanyCare Starter. 5
6 Don t forget to bring your membership card with you when you travel abroad!
For that extra peace of mind when you re abroad Laya Healthcare offers a range of benefits for emergency hospital treatment while you are abroad, on selected CompanyCare schemes (this benefit is not available on CompanyCare Starter). Full cover for emergency hospital admissions while abroad, up to a maximum of 100,000 per episode. Access to a 24-hour emergency helpline. Simply call +353 21 422 2204. All expenses must be preauthorised by our approved agent. This number is printed on your membership card. Up to 2 million towards the cost of transport abroad or back to Ireland if appropriate treatment isn t available locally and up to 1,000 towards the costs of bringing back a travelling companion. Visit www.layahealthcare.ie/travel for details of a 20% discount when you purchase your holiday travel insurance online. Also, as an Irish resident you are entitled to get healthcare through the public system in countries of the European Union. Find out more about the European Health Insurance Card at www.ehic.ie Overseas Cover We offer the lowest cost scheme on the market, log onto www.layahealthcare.ie for a quote 7
Cancer Cover Cancer care support As well as cover in hospital, we offer a range of extra benefits for cancer treatment. These benefits are not subject to an excess: These benefits are not subject to an excess: Up to 500 towards manual lymph drainage Up to 100 per night towards the cost of overnight accommodation (e.g. B&B, hotel, etc) if you have to travel over 40 miles for out-patient treatment Full cover for a hairpiece following cancer treatment Full cover for one breast prosthesis following in-patient treatment, (for details in the benefit of subsequent prosthesis please call us on 1890 700 890) In addition to the above, we also offer full cover for colon cancer screening at all participating hospitals around the country (depending on certain medical conditions or clinical indications). An excess may apply to this benefit. Please check with us prior to having your screening. Manage your policy online www.layahealthcare.ie LAYA-CC-BRO-011-0215-v5.indd 8 8 12/03/2015 13:47
50%-75% back on your everyday medical expenses Your everyday medical expenses are also known as out-patient expenses. These include such things as your GP, Consultant and physiotherapist s fees. The main treatments we cover and the amounts you can claim are outlined in your rules booklet. To get a full list of the out-patient treatments that are covered or to get a claim form, please visit www.layahealthcare.ie. * CompanyCare Plus, CompanyCare Premium and CompanyCare Gold members can claim back 75% of GP and Consultant costs under this benefit. Note 1: We will deduct 1 per year from claims made under this benefit. Note 2: Please confirm with us that your medical provider or therapist is registered with the relevant association before attending consultations. Out-patient Expenses 50% - 70% back on... GP and Consultant visits Adult and child counselling Speech and language therapy Executive health check Physio Reflexology (including baby reflexology) Home nursing following in-patient treatment Cancer screening and much more CompanyCare Premium and CompanyCare Gold members: If your treatment costs covered under this benefit exceed 630 during the membership year, we will pay 75% of any further costs up to specified maximum. Child healthcare benefit: Members can claim up to 250 for out-patient expenses such as GP, Consultant and physiotherapy bills, if your child is in hospital for more than three nights. This benefit is not available on CompanyCare Choice. 9
Subscriptions Discounts & Offers Some discounts and special offers for our members As a laya healthcare member, you can enjoy some excellent discounts and special offers: Laser Eye Surgery Paying your subscriptions? Travel Insurance Discounts & Special Offers Life Insurance Teeth Whitening Laya Healthcare contracts are annual and subscriptions are payable either annually, quarterly* or monthly* by direct debit from a bank or you can pay subscriptions with a MasterCard, Visa or Laser card. Please complete the direct debit, laser or credit card authorisation on the application form or you can call us on 1890 700 890 and give your details over the phone. You can also join online at www.layahealthcare.ie *A credit charge applies if paying by instalments. and much more Please visit www.layahealthcare.ie for more information on these special offers. Travel Insurance is provided by Ace European Group. Offers in relation to teeth whitening and laser eye surgery are between the provider and you. While laya healthcare aims to provide excellent offers and discounts, we have no liability to the service provided. 10
What is Lifetime Community Rating (LCR)? LCR Under Lifetime Community Rating, the cost of your policy depends on how old you are when you take out private health insurance. Put simply, with LCR if you are over 34 years after 30th April 2015, when you take out health insurance, you may have to pay extra for your cover. Customers aged over 34 pay an extra 2% loading per year, rising with age, in addition to their normal health insurance premium on joining the market. That means that if you take out your first health insurance policy when you are 40, you ll be looking at a 12% loading. This loading is applied to your premium for as long as you hold your health insurance. LCR EXTRA +0% +2% +20% +40% +60% +70% PREMIUM AGE 34 35 44 54 64 69 How will LCR affect you? Laya healthcare members: As you already have private medical insurance you do not need to worry about LCR, your premium will not be affected by this. Under 35 years: If you take out cover before you are 35, no additional loading will apply to your premium. Currently don t hold private health insurance: After 30th April 2015 if you are over 34 when you take out a policy, then your premium will be affected with an additional loading, as explained above. However if you previously had health insurance in the past and let it lapse, this will be taken into account if you take out a new policy. You will receive credits for the years you had insurance. Returning to Ireland after living abroad: If you live overseas on or after the 1st May 2015 and return to live in Ireland you will be given a 9 month grace period in which you can arrange health insurance without your age being taken into account. In other words, over 34 s won t be liable for any loading as long as they put insurance in place within those 9 months. For more information visit www.lcr.ie or call us on 1890 700 890. 11
Laya Healthcare Always giving you more... 24 hour GPline available for CompanyCare Choice, CompanyCare and CompanyCare Plus. More reasons why its great to be a Laya Healthcare member We are always listening to our members and constantly improving our benefits in response to their needs. Below are some further reasons why it is great to be a laya healthcare member. Scans Did you know we fully cover the cost of the following scans at laya healthcare approved centres which we pay directly: MRI scans; DEXA scans; Mammograms; PET scans; and CT scans. Approved centres can change from time to time so check the list of centres online at www.layahealthcare.ie/scans Employee Assistance Programme (EAP) This service provides independant legal, financial and consumer advice. Members can avail of a counsellor service 24 hours a day, 365 days a year (work and personal issues) as well as 5 face-toface counselling sessions on your chosen scheme. Please call 1890 700 890 for further details and to confirm that you are covered for this service on your chosen scheme. GPline - 1890 907 647 CompanyCare Choice, CompanyCare and CompanyCare Plus members have access to our free and confidential GP telephone consultation service. This service provides advice and, where appropriate, diagnosis about your health concern. Infertility Benefit We are the only Irish health insurance provider to offer members cover for infertility treatment. To help you start your family we ll give 1,000 towards specific infertility treatments (IUI, ICSI and IVF) for female members per lifetime when carried out in approved centres. Please see page 17 for infertility benefit waiting periods. This benefit is not available on CompanyCare Starter and CompanyCare Choice. For full details on this benefit contact us on 1890 700 890 before your treatment to confirm your cover. 12
Additional Benefits Medical tourism If you are covered for a medically necessary surgical procedure in Ireland, but for whatever reason want to have it carried out somewhere else in the EU, then our Medical Tourism benefit will help you do this. Confidential Nurseline Laya healthcare members can avail of a 24 hour confidential Nurseline on all schemes, offering advice and assurance to members, day or night. Members can use this service by calling the Nurseline on 1850 923 500. Consultant Connections Through our Consultant Connections service laya healthcare members with serious illness have access to expert medical opinions from leading specialists around the world. Laya healthcare is the only Irish health insurer to offer a service of this nature. Information on our EU Treatment Guarantee benefit is available on our website www.layahealthcare.ie or by calling 1890 700 890. 13
Our new HeartBeat screen You never know what life has in store for you. It can change in a heartbeat. Statistics show that 2 people are lost to Sudden Adult Death Syndrome (SADS) every week in Ireland. With this in mind when you join laya healthcare, you can avail of our free HeartBeat screening benefit. HeartBeat screens for the detection of underlying conditions that may lead to or cause Sudden Adult Death Syndrome. Having a cardiac screen can help identify many cardiac abnormalities and in turn may save your life. To learn more go to www.layahealthcare.ie LAYA-CC-BRO-011-0215-v5.indd 14 14 12/03/2015 13:47
When you are going into hospital Please remember to: Always contact us on 1890 700 890 before you go into hospital to confirm your level of cover. Always bring your membership card with you when you are being admitted into hospital. This will ensure that everything is taken care of as quickly as possible for you, allowing you peace of mind and time to focus on getting better. Some handy definitions Day-case means when you receive treatment using a bed and do not stay overnight; or if you receive treatment in an out-patient surgery facility. Semi-private means when you receive treatment and stay overnight in a ward with 2-5 beds. Private means when you receive treatment and stay overnight in a private room. When you want to make a claim Making a claim is easy, simply: visit www.layahealthcare.ie for a full list of out-patient benefits on your scheme, for information about making a claim and to download a claim form. In hospital For in-patient or day-case treatment: Simply fill in the relevant section of the claim form which the hospital will provide and carefully read and sign it before you are discharged; the hospital will send the completed claim form to us and we will deal directly with them to process your claim; and we will then contact you to let you know we have assessed your claim. Going Into Hospital Making A Claim Claiming back your everyday medical expenses Keep all your original medical receipts during the year; at your renewal, complete and sign an out-patient claim form; and then send the completed claim form to us with original receipts attached. 15
Excesses Explained What is an excess? In order to keep your subscriptions down to a minimum, some of our schemes include an excess, which vary depending on the scheme you have chosen, the treatment you are claiming for and the hospital or centre that you receive the treatment in. We know excesses can be a bit confusing so to try and make this a little easier for you, please see some explanations below. If you still have questions about this, please feel free to contact our Customer Care team who will be happy to go through any further questions that you may have. In-patient excesses You may have to pay an excess (the first 50, 125 or 200) towards your claim depending on the private hospital that you are being treated in. Please visit www.layahealthcare.ie for further details on this and how they may apply to you. Please note, an excess does not apply for in-patient treatment in public hospitals. Please see hospital lists on pages 21-25 for more information on in-patient excesses. Out-patient excesses There is no out-patient excess on our CompanyCare schemes so you ll start to benefit from the word go! Please note: we will deduct 1 per year from claims made under this benefit. 16
(This benefit is not available on CompanyCare Starter and CompanyCare Choice.) The following waiting periods apply for infertility treatment The first 52 weeks of membership for those who join laya healthcare s CompanyCare, CompanyCare Plus, CompanyCare Premium and CompanyCare Gold schemes. The first 52 weeks of membership for existing laya healthcare members that transfer or change between schemes to avail of this benefit. The first 52 weeks for existing laya healthcare members on the schemes that have this benefit. The waiting period shall be reduced by a person s continuous period of cover (if any) on that scheme. Infertility Waiting Periods Infertility Waiting Periods To confirm your cover please call us before you go into hospital. 17 LAYA-CC-BRO-011-0215-v5.indd 17 12/03/2015 13:47
Waiting Periods Questions about waiting periods? A waiting period is the length of time that you need to have health insurance before availing of cover. There are a number of situations where different waiting periods may apply to your cover. Please see the following explanations on waiting periods and how they may effect you. If you have switched to laya healthcare from another health insurer and have served all your waiting periods with them, then there is no break in cover when you transfer to us. If you still have some waiting periods remaining when you switch to laya healthcare, you will only have to serve whatever is remaining, as we fully recognise the length of time you ve spent with your previous insurer. Waiting periods that will apply: The following waiting periods will apply if you are aged: Under 55 years 55 59 years 60 64 years Over 65 years how long before you can make a claim for accident or injury? how long before you can make a claim for any new disease, illness or injury which began or the symptoms of which began after membership started? how long before you can claim for any disease, illness or injury which began or the symptoms of which began before membership started? how long before you can claim benefit for maternity cover? Immediately for all age groups 26 weeks for all age groups 5 years for all age groups 1 year Not Applicable In addition, if you re upgrading your level of cover/benefits the following waiting periods will apply regardless of how long you have been insured: you have health insurance and want to get a higher level of cover/benefits, how long before you can avail of the better cover/benefits for any disease, illness or injury which began or the symptoms of which began before you upgraded? you are already pregnant and you wish to improve your cover/benefits, how long before you can avail of the better cover/benefits? 2 years for all age groups 1 year Not Applicable 18
It has been more than 13 weeks since I last had private health insurance with an Irish health insurer. I am taking out health insurance for the first time. I am switching from another Irish private health insurer to a comparable level of cover. 19 LAYA-CC-BRO-011-0215-v5.indd 19 12/03/2015 13:47
Laya Healthcare Hospitals Hospitals covered on your scheme... 20
What hospitals are covered under the CompanyCare schemes? Important note for CompanyCare Choice, CompanyCare, CompanyCare Plus and CompanyCare Premium members Hospital List Blackrock Clinic/Mater Private/Beacon hospital At these hospitals certain types of heart surgery are covered in full. All day-case treatment and out-patient surgery is covered in full less 200 per claim. (Note: CompanyCare Plus and CompanyCare Premium members are exempt from the 200 excess for all day-case treatment and out-patient surgery at these hospitals). For the amount of any shortfall you will have to pay for other treatment, please see the rules of the scheme. Important note for CompanyCare Gold members Members have full cover in all participating public, private and Hi-tech hospitals. General note Cahercalla, St. Francis, St. Joseph s, Garden Hill, Park West Clinic and the Cork Clinic - we cover only certain surgical procedures and treatments at these hospitals, please ask us for details. Important note for CompanyCare Starter members Hospitals in list (a) are not covered under the CompanyCare Starter scheme. If you require cover at these hospitals you should purchase one of our other CompanyCare schemes. This exclusion does not apply to the Mater Private hospital, Blackrock Clinic and the Beacon hospital for certain types of heart surgery, which are covered in full. Please refer to page 18 for relevant waiting periods. 21
Hospital List For further information on your scheme, please refer to your scheme rules and table of benefits. Alternatively visit www.layahealthcare.ie or email info@layahealthcare.ie Hospital list (a) CompanyCare Plus members are covered in the hospitals in list (a) below but do not have to pay an excess. Hospitals covered by CompanyCare Choice, CompanyCare and CompanyCare Premium CORK CompanyCare Choice CompanyCare Excess CompanyCare Premium Excess * Bon Secours hospital 125 125 125 DUBLIN * The Beacon hospital, Dublin 200 200 200 * Blackrock Clinic (see notes above) 200 200 200 * Bon Secours hospital, Glasnevin 125 125 125 * Mater Private hospital (see note above) 200 200 200 * Sports Surgery Clinic 125 125 125 GALWAY * Bon Secours hospital, Galway 125 125 125 KERRY * Bon Secours hospital, Tralee 125 125 125 NORTHERN IRELAND * The North West Independent hospital, Derry 125 125 125 * The Ulster Independent Clinic, Belfast 125 125 125 * In the hospitals marked* CompanyCare Choice, CompanyCare and CompanyCare Premium members will have to pay an excess per claim. These excesses are listed above and apply to CompanyCare Choice, CompanyCare and CompanyCare Premium members only. 22
Hospital list (b) Hospitals covered by the CompanyCare Starter, CompanyCare Choice, CompanyCare, CompanyCare Plus, CompanyCare Premium and CompanyCare Gold Hospital List Private Hospital Hospital/County Excess CAVAN Cavan General hospital CLARE *Cahercalla hospital (this hospital has day-case facilities only) 50 Mid Western Regional hospital, Ennis Bushypark Treatment Centre CORK Bantry General hospital Cork Clinic Cork University hospital Cork University Maternity Hospital Cuan Mhuire, Farnanes Mallow General hospital Marymount Hospice Mater Private Cork 125 Mercy University hospital South Infirmary/Victoria hospital St. Mary s Orthopaedic hospital Tabor Lodge DONEGAL Letterkenny General hospital White Oaks Treatment Centre DUBLIN Adelaide & Meath hospital incorporating The National Children s hospital, Tallaght Beaumount hospital Cappagh National Orthopaedic hospital Children s University hospital, Temple street Coombe Women s hospital *Hermitage Clinic, Lucan 125 In the hospitals marked * CompanyCare Choice, CompanyCare and CompanyCare Premium members will have to pay an excess per claim. 23
Hospital List Hospital/County Private Hospital Excess Highfield Hospital, Dublin 9 Incorporated Orthopaedic hospital, Clontarf James Connolly, Blanchardstown Lois Bridges Treatment Centre Mater Misericordia hospital National Maternity hospital, Holles Street *National MS Centre, Rathgar (this hospital has private rooms only) 50 Our Lady s Hospice Harold s Cross Our Lady s hospital for sick children, Crumlin *Park West Clinic, Dublin 12 50 Peamount hospital Rotunda hospital Royal Victoria Eye & Ear hospital Rutland Centre Stanhope Centre, Grangegorman (Out-patient only) St. Columcille s, Loughlinstown St. James hospital St Joseph s hospital Raheny St. Joseph s Rehabilitation Centre, Harolds Cross St Luke s hospital, Rathgar St Michael s, Dun Laoghaire *St Vincent s hospital Fairview *St Vincent s Private hospital 125 St Vincent s University hospital GALWAY Cuan Mhuire, Coolarne *Galway Clinic 125 Merlin Park Regional hospital Portiuncula hospital, Ballinasloe University College hospital KERRY Kerry General hospital Talbot Grove, Castleisland KILDARE *Clane General hospital 50 Cuan Mhuire, Athy General hospital, Naas In the hospitals marked * CompanyCare Choice, CompanyCare and CompanyCare Premium members will have to pay an excess per claim. Note: Private hospitals are marked in bold. 24
Hospital/County KILKENNY Private Hospital Excess Aislinn Treatment Centre Kilcreene hospital *Aut Even hospital 50 St Luke s General hospital LAOIS Midland Regional hospital, Portlaoise LEITRIM Our Lady s hospital Manorhamilton LIMERICK *Barrington s hospital 50 Cuan Mhuire, Bruree Mid Western Orthopaedic hospital, Croom Mid-Western Radiation Oncology Centre (Out-patient only) Mid Western Regional hospital, Dooradoyle Mid Western Regional Maternity hospital Millford Hospice, Castletroy St. John s hospital LOUTH Louth County hospital, Dundalk Our Lady of Lourdes hospital, Drogheda MAYO Hope House, Foxford Mayo General hospital, Castlebar MEATH Navan General hospital MONAGHAN Monaghan General hospital OFFALY Midland Regional hospital (Tullamore) ROSCOMMON Roscommon County hospital SLIGO Sligo General hospital *St. Joseph s Garden Hill 50 Hospital List In the hospitals marked * CompanyCare Choice, CompanyCare and CompanyCare Premium members will have to pay an excess per claim. 25
Hospital List Hospital/County TIPPERARY Private Hospital Excess Aiseiri Centre, Cahir Nenagh General hospital South Tipperary General hospital, Clonmel WATERFORD Waterford Regional hospital *Whitfield Clinic 125 WEST MEATH Midland Regional hospital (Mullingar) *St. Francis, Mullingar 50 WEXFORD Aiseiri Centre Wexford General hospital Ely hospital NORTHERN IRELAND* Altnagelvin, Derry Daisy Hill, Newry Royal Victoria hospital, Belfast Private Psychiatric Hospitals/ Facilities DUBLIN Hampstead Clinic St. Patrick s & St. Edmundsbury Hospital St. John of God s Private Hospital Excess No excess or shortfalls apply to these private psychiatric hospitals/facilities In the hospitals marked * CompanyCare Choice, CompanyCare and CompanyCare Premium members will have to pay an excess per claim. All members of the CompanyCare Suite schemes are eligible for benefit in the above Private Psychiatric Hospital/Facilities.. Note: Private hospitals are marked in bold. 26
Laya Healthcare Always there for you... 27 LAYA-CC-BRO-011-0215-v5.indd 27 12/03/2015 13:47
Log/record of your contact with Laya Healthcare (phone calls/emails/text/letters) Date & Time Who I spoke to in laya healthcare By phone/ e-mail/text/ letter What was discussed? 28
WEBSITE V-CARD Eastgate Road, Eastgate Business Park, Little Island, Co Cork. Tel 1890 700 890 021 202 2000 E-mail info@layahealthcare.ie Website www.layahealthcare.ie At laya healthcare, we take particular pride in the quality and value of our schemes. Nowhere is this more important than in the benefits we have developed for our members. Our benefits include: Excellent maternity cover Complementary medicines Competitive prices Hospital cover Online services Cardiac and cancer cover In the interest of customer service, calls are recorded and monitored. This brochure is for guidance only and should be read subject to the rules and table of benefits of the scheme. Laya Healthcare Limited, trading as Laya Healthcare, is regulated by the Central Bank of Ireland. LAYA-CC-BRO-011-02/15